Cash Rewards Checking
GET 1.00% CASH BACK ON ALL
ELIGIBLE DEBIT CARD PURCHASES1
Use your Quontic Debit Card for everyday purchases and earn cash back each month! Minimum opening deposit of $100.

How easy it is

How easy it is
1. Open a Cash Rewards Checking Account
Open your online account in 3 minutes or less.
2. Use your Quontic debit card
Qualifying point of sale (POS) debit card transactions1 that post and settle to the account each statement cycle shall receive 1.00% cash back. Ask for details. Additional terms, conditions, fees & exclusions may apply.
3. Receive 1.00% cash back each month
Your cash back reward will be paid and deposited into your checking account at the beginning of each new statement cycle.
Frequently Asked Questions
What do I need to get started?
Our secure account opening process takes less than 3 minutes from start to finish! We ask for a few pieces of information like basic contact info, your social security number, and DOB. You will then be able to fund your account instantly!
Is there a minimum to open a Cash Rewards Checking Account?
You can open an account with as little as $100.
How do I fund my Account?
To make your initial deposit, you can transfer money from your existing Quontic account, you can transfer money from an external account via ACH, or using Plaid’s technology. Please ensure that you have sufficient funds available to be transferred.
How do I get cash back?
When do I get my reward?
Your cash back reward will be paid and deposited into your checking account at the beginning of each new statement cycle.
Are there ATM Fees?
You won’t have to pay ATM fees when you use your Quontic Debit Card at any AllPoint® Network ATMs, MoneyPass® Network ATMs, SUM® program ATMs, or Citibank® ATMs located in Target, Speedway, Walgreens, CVS, Kroger, Safeway, Winn Dixie, and Circle K.
Can I take money out of my account?
Yes, you can spend your money like any other checking account. You will be able to sign up for Online Banking, Mobile Banking and be provided with a Quontic Debit Card.
Can I add money to my account?
Yes! You can easily add money to your account through remote check deposit via our convenient Mobile App, by setting up direct deposit from your work, by mailing a check, depositing money via ACH, or by wire.
What you get
No pockets no problem
With the Quontic Pay Ring, always have access
to your money with this payment wearable.
Leave your debit card behind and embrace
the future of payments.
90,000+ ATMs across the nation

90,000+ ATMs across the nation
Surcharge free at any participating AllPoint® Network ATMs, MoneyPass® Network ATMs, SUM® program ATMs, or Citibank® ATMs located in Target®, Speedway®, Walgreens℠, CVS®, Kroger®, Safeway®, Winn Dixie®, and Circle K™.


Fully mobile & online banking

Fully mobile & online banking
Enjoy the convenience of banking on your terms—whenever you want, anytime you want with our online banking platform and dynamic mobile app. Features like remote check deposit, bill pay, account transfers, and receipt tracking make managing your finances easy.

No monthly or overdraft fees

No monthly or overdraft fees
Unexpected fees are never a good thing. We will never surprise you with hidden monthly fees. View the full list of fees that could occur on your account here.


Insured and secured

Insured and secured
Banking with a purpose
With Quontic, you’re more than just an account number. You’re a partner on our mission. As a CDFI, we’re the bank that helps bring the dream of homeownership to low-income families, immigrants, people of color, small business owners, and others who are unable to obtain mortgage financing through traditional lenders. Feel good about who you bank with.
Disclaimer:
Ask for details. Additional terms, conditions, fees & exclusions may apply. Rates may change without notice. Some accounts may require a minimum average daily balance for the statement cycle to avoid service charges. If the account is closed before interest and/or bonus is credited, accrued interest and/or bonus may be forfeited for that statement cycle. Fees could reduce earnings. In order to sign up for online banking, you must have a Quontic Bank account. Mobile banking requires enrollment through online banking. Data connection required. Wireless carrier fees may apply. There is no charge from Quontic bank for account alerts, but message & data rates may apply. mobile check deposit is available for select mobile devices. Subject to eligibility & further review. Deposits are subject to verification & not available for immediate withdrawal. Deposit limits & other restrictions may apply.
2FDIC insurance is applicable to eligible deposit accounts and up to the maximum allowed by law. Learn more at FDIC: Deposit Insurance
Target is a trademark of Target Brands, Inc. Speedway is a trademark of Speedway LLC. Walgreens is a trademark of Walgreen Co. CVS is a trademark of CVS Pharmacy, Inc. Kroger is a trademark of The Kroger Co. of Michigan. Safeway is a trademark of Safeway Inc. Winn Dixie is a trademark of Winn-Dixie Stores, Inc. Circle K is a trademark of Circle K Stores Inc.
Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries. ©2018 Google LLC, used with permission. Google Pay and the Google Pay logo are trademarks of Google LLC. The Samsung Pay® logo is a registered trademark of Samsung Electronics Co., Ltd. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Mastercard is a registered trademark of Mastercard International Incorporated.
